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世界第一张信用卡产生于1915年美国的“信用筹码”,其最主要的功能在于持卡人可以先消费、后付款,即消费信贷。信用卡的消费信贷功能对于刺激消费需求,促进经济增长,提高商业银行的经济效益,以及对特约商户和持卡人都具有重要意义。信用卡消费信贷的基本特征信用卡具有转账结算
The world’s first credit card produced in the United States in 1915, “credit chips”, the main function is that the cardholder can spend the first, post-paid, that is, consumer credit. The consumer credit function of credit cards is of great importance to stimulating consumer demand, promoting economic growth, improving the economic efficiency of commercial banks, and to merchants and cardholders. The basic features of credit card consumer credit credit card has a transfer settlement